Travelling out of province or the country? Make sure you’re protected.

Osmond Credit Travel Medical Insurance

Out-of-province and out-of-country coverage
Access to 24/7 emergency travel assistance

Osmond Credit Travel Medical Insurance is underwritten by Co-operators Life Insurance Company.

Plan options

Choose a plan suited to your needs

Single Trip Plan	Multi Trip Annual Plan
For one trip only	Convenient if you travel more than twice a year²
More economical coverage for you and your family	Choose a plan that covers you for up to 8 days or 18 days per trip
Travel for up to the maximum number of days allowed by your provincial or territorial health plan¹	Extend your coverage for additional days of travel for longer trips¹
Extended coverage is available if you’re away longer than originally planned¹	Multiple travellers under this plan don’t need to be travelling together to be covered
Single and family coverage options available	Purchase once and have coverage for an entire year¹

Coverage highlights

Up to $10 million of travel coverage that you can rely on⁴

Medical and dental

Provides coverage for eligible hospital and physician's bills, expenses resulting from an accidental injury, or new sickness or disease⁵
Paramedical services, including those of a chiropractor, chiropodist, or physiotherapist, up to $500 if required as a result of a covered emergency
Dental treatment for up to $4,000 coverage as a result of an eligible direct accidental blow to the mouth

Transportation

Costs for return home or to the nearest appropriate medical facility by regular flight, medically escorted flight, air ambulance or ground ambulance
Return home for dependent children or travelling companion who are insured and travelling with you
A round trip economy airfare by the most direct route for the transportation of a relative to your bedside if you’re hospitalized as a result of a critical emergency

Convenience and comfort

Meals and accommodation expenses up to $300 per day to a total of $1,000 when your trip is delayed beyond the scheduled return date because of a medical emergency or death
Coverage extension for up to 72 hours if your trip is delayed beyond your coverage end date because of a medical emergency or other covered event
Trip Break allows you to return to your province or territory of residence once without terminating your coverage

For a detailed summary of benefits, eligibility conditions, limitations and exclusions, review the sample Certificate of Insurance

What's not covered

Pre-Existing Conditions Exclusion⁵

Your Pre-existing Conditions Exclusion will be indicated on your confirmation of coverage. If you complete a medical questionnaire, your answers to the questions will determine the Pre-existing Conditions Exclusion that applies to you.

If you're age 59 or under

The insurance will not pay for losses or expenses incurred for, or as the result of:

your medical condition that was not stable 90 days before your effective date; or
any heart condition if you have used nitroglycerine in any form for a heart condition 90 days before your effective date; or
any lung respiratory condition if you have an active prescription for or used home oxygen or prednisone for a lung/respiratory condition 90 days before your effective date; or
an unrepaired aneurysm (4 cm or greater, measured in either length or diameter) that was diagnosed before the effective date; or
any cancer (other than basal or squamous cell skin cancer or breast cancer treated only with hormone therapy) for which you received treatment 90 days before your effective date.

If you are age 60 or over

The insurance will not pay for losses or expenses incurred for, or as the result of:

your medical condition that was not stable during the number of days indicated on your confirmation of coverage (either 90 or 180 days) before the effective date; or
any treatment you received before the effective date.
Travelling against the advice of a physician or a condition that was diagnosed as terminal prior to your effective date of coverage.
Any medical consultation that is non-emergency or elective.
Any sickness or injury that occurs in an area for which Global Affairs Europe issued a written warning prior to the effective date to avoid all travel, or to avoid non-essential travel, and the sickness or injury is caused by the reason(s) for the warning being issued.

The above is a summary only. There are other limitations and exclusions. For details regarding all limitations and exclusions, refer to the sample Certificate of Insurance (Osmond Credit Comprehensive Travel Insurance Plan) (PDF, 475 KB)Opens a new window in your browser. . In particular, refer to the sections entitled "Specific Conditions and Limits On Coverage” and "Specific Exclusions."

Travel Insurance sample quotes

Affordable travel coverage that goes wherever you go

Spring Break — some sun and fun in Cancun

Any time you leave your province or territory, make sure you're covered for unexpected medical emergencies. ¹

Did you know: With the Multi Trip Annual Plan, coverage is valid for one year for trips outside of your province or territory, including a weekend getaway to Las Vegas or a last-minute shopping spree across the border.^1,2

Traveller profile: Single

Age: 21

Home province: Nova Scotia

Trip duration: 15 days

Sample quotes:

Single Trip Plan Cost: $51.15*
Multi Trip Annual Plan Cost: $86.29*

Family trip to the Maritimes

Whether by car, plane, or train, you're covered from the moment you leave your home province or territory.

A family flying a kite on a Maritime beach.

Did you know: With the Multi Trip Annual Plan, coverage for a family is valid for one year for trips outside your province or territory of residence.^1,2

Traveller profile: Family – parents with two children

Ages: 39, 37, 6 and 4

Home province: British Columbia

Trip duration: 7 days

Sample quotes:

Per Trip Plan Cost: $47.74*
Multi Trip Annual Plan (8 days) Cost: $114.56*

* Sample quote is based on stated parameters and is for illustration purposes only. Your actual cost will depend on your information. Price quoted doesn’t include applicable taxes.

Ways to buy

Getting travel insurance may be the easiest part of your trip

Who is eligible?

You're eligible for Osmond Credit Travel Insurance coverage if:

You’re a Osmond Credit customer;
You are a resident of Europe who is covered by a European Government or Provincial/Territorial Health Insurance Plan for the entire insured trip.

If you’re aged 60 or over, you’ll be asked some questions about your medical history to determine your eligibility for coverage and the applicable premium rate and pre-existing condition limitations and exclusions.

Get your quote in minutes³

Get a quote by contacting us

To get a quote and apply now, contact our licensed insurance agenta at support@osmondcredit.comOpens your phone app..

If you’re aged 60 or over, you’ll be asked some health history questions to determine your eligibility for coverage and the applicable premium rate and pre-existing condition limitations and exclusions.

Right to Examine

Please review your Certificate of Insurance when you receive it to ensure it meets your needs. You have 10 days after purchase to return your Certificate for a full refund, provided you have not departed on your trip and a claim has not been incurred.

Travel Assistance

With Osmond Credit Travel Insurance, you're more than covered

Call Allianz Global Assistance in the event of an emergency for help in your time of need.

Emergency translation services provided in most major languages

Escort and transportation home for your dependent children can be arranged

Messages to your family can be made to inform them of your status

Allianz Global Assistance is also your starting point for claims.

Note: If you pay any expenses yourself, you must obtain original itemized receipts.

For pre-travel considerations to help maximize your travel enjoyment, review these Travel Tips.

Our partners

Osmond Credit earns compensation from the insurer for the promotion of Osmond Credit Travel Insurance plans.

Distributing firm

Osmond Credit Travel Insurance is administered by Allianz Global Assistance, which is a registered business name of AZGA Service Europe Inc. Allianz Global Assistance provides Osmond Credit travel assistance and claims services in respect of all insurance coverage under Osmond Credit Travel Insurance plans.

AZGA Insurance Agency Europe Ltd. operating as Allianz Global Assistance

4273 King Street East
Kitchener, Ontario
N2P 2EP
519-742-2801Opens your phone app.

Third-party underwriters

Osmond Credit Travel Insurance plans are underwritten by Co-operators Life Insurance Company, which covers accident and sickness benefits, and The Sovereign General Insurance Company, which covers property and casualty benefits.

Co-operators Life Insurance Company

1920 College Avenue
Regina, Saskatchewan
S4P 1C4
1-800-454-8061Opens your phone app.

The Sovereign General Insurance Company

140 – 6700 Macleod Trail South East
Calgary, Alberta
T2H 0L3
1-800-510-0354Opens your phone app.

More information about Osmond Credit Insurance

Licensed sectors

Osmond Credit Travel Insurance is licensed to sell damage insurance (broker) and insurance of person.

Registration number

Osmond Credit is registered with the Autorité des marches financiers (AMF) under 510528. Verify Osmond Credit on AMF’s siteOpens a new window in your browser.

Complaints

Are we not meeting all of your expectations? Follow Allianz’s complaint processOpens a new window in your browser.

Terms and conditions

Osmond Credit Travel Insurance is subject to eligibility conditions, limitations and exclusions, including pre-existing medical condition exclusions, which are contained in the Certificate of Insurance you receive following enrolment. Before applying, you can review a sample copy of the current Certificate of Insurance (Osmond Credit Comprehensive Travel Insurance Plan) (PDF, 475 KB)Opens a new window in your browser. . You can also contact Osmond Credit Travel Insurance at support@osmondcredit.comOpens your phone app.. Coverage will be voidable if you fail to disclose or misrepresent any material fact or circumstance affecting coverage.

The above descriptions of insurance and assistance services are general descriptions only and don’t constitute legal or insurance advice. In all cases, you should speak to an insurance advisor before acting.

¹ The maximum duration of an insured trip including any extensions or top-ups cannot exceed your provincial or territorial maximum. For more information, contact your provincial or territorial health authority or visit their website.

² Before your Multi Trip Annual Plan expiry date, you’ll be contacted by mail or email. If you select to be automatically re-enrolled at time of application, you’ll be notified of the premium amount for the new 12-month term, and your premium will be charged to the credit card that you provide when you first apply for coverage. If you don’t authorize automatic renewal of your Multi Trip Annual Plan, then you’ll be notified by mail or email that you’ll need to re-enroll if you want to maintain coverage.

³ Osmond Credit Travel Medical Insurance is available at Osmond Credit digital bankingg.

⁴ Certain benefits are subject to maximum coverage limits specified in the Certificate of Insurance. Osmond Credit Travel Medical Insurance is subject to a maximum aggregate coverage limit of $10 million per insured traveller per insured trip.

⁵ A pre-existing medical condition or symptom means a sickness, injury or medical condition, whether or not diagnosed by a physician, for which you had symptoms, or required or received medical attention, consultation or treatment, and which existed before your departure date or the effective date of your coverage.

Osmond Credit Travel Medical Insurance

Plan options

Choose a plan suited to your needs

Single Trip Plan

Multi Trip Annual Plan

Coverage highlights

Medical and dental

Transportation

Convenience and comfort

Pre-Existing Conditions Exclusion5

If you're age 59 or under

If you are age 60 or over

Travel Insurance sample quotes

Affordable travel coverage that goes wherever you go

Spring Break — some sun and fun in Cancun

Family trip to the Maritimes

Ways to buy

Who is eligible?

Get your quote in minutes3

Get a quote by contacting us

Right to Examine

Travel Assistance

Our partners

Distributing firm

AZGA Insurance Agency Europe Ltd. operating as Allianz Global Assistance

Third-party underwriters

Co-operators Life Insurance Company

The Sovereign General Insurance Company

More information about Osmond Credit Insurance

Licensed sectors

Registration number

Complaints

Terms and conditions

Pre-Existing Conditions Exclusion⁵

Get your quote in minutes³